Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #6428354
Complaint Overview
Complaint ID: 6428354
Company: U.S. Bancorp
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-Issue: Difficulty submitting a dispute or getting information about a dispute over the phone
State: West Virginia
ZIP Code: 26554
Date Received: 2023-01-11T12:00:00-05:00
Date Sent to Company: 2023-01-11T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Upon researching my credit report I uncovered a charge off account reporting delinquent monthly payments. This is reporting as Elan Financial Services, a subsidiary of US Bank. With zero of this account, I attempted contact via phone in XXXX & XXXX of 2022, yet was never able to make any progress. Using the phone number on the tradeline, I called, albeit I would always get a US Bank employee on the phone. Every time they would act like they haven't even heard of XXXX XXXX. After multiple failed attempts at reaching someone on the phone, I sent a series of certified letters in XXXX and XXXX of 2022 to XXXX requesting validation and/or information related to this account. I also detailed that if the account is indeed mine, that I would be willing to pay to resolve the matter to stop it from negatively impacting my credit profile any further. I never received a response from these letters. In early XXXX I finally received a call and spoke to a nice woman named XXXX at XXXX. I asked if she could send me verification of this account such as the credit card agreement that I would have signed, and she agreed to do so. Unfortunately, I never not received this. I called back in yesterday to the same number I spoke with XXXX on and the representative I spoke with acted as if she had more pressing matters to deal with rather than take my money to settle this. She insisted on trying to hurry me off the phone. At the end of each sentence she tried to end the conversation. I was ready with card in hand to pay something, and she didn't seem to even want to take the time.. At this point I explained I was still waiting to receive a copy of the credit card agreement so I can verify this is actually an account of mine, to which she responded that she would submit to have it sent to me again. I asked what if I do not receive anything, then what, and her response was " I do not know sir ''? I want this resolved.
Frequently Asked Questions
What is Complaint #6428354 about?
Complaint #6428354 was filed against U.S. Bancorp regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Problem with a credit reporting company's investigation into an existing problem. It was received by the CFPB on 2023-01-11T12:00:00-05:00.
How did U.S. Bancorp respond to this complaint?
The company responded with: "Closed with non-monetary relief". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting, credit repair services, or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against U.S. Bancorp?
Yes, visit the U.S. Bancorp company profile at readthecomplaint.com/company/u-s-bancorp to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.